江苏南通社保基数13000和5000的区别

有家健康网 2025-04-26阅读量：2125

The difference between the social security base of 13,000 and 5,000 in Nantong, Jiangsu is mainly reflected in the following aspects:

1. Payment amount: The higher the social security base, the more social security fees are paid. If the base is 13,000, the amount paid by both the individual and the unit for various insurances (such as pension, medical, unemployment, etc.) will be significantly more than when the base is 5,000. For example, for the pension insurance, if the individual contribution rate is 8%, when the base is 13,000, the individual monthly contribution is ​×8%= yuan; when the base is 5,000, the individual monthly contribution is ​×8%= yuan.

2. Pension treatment: Generally, a higher social security base means a higher pension received after retirement. Because the pension calculation is related to the contribution base and contribution years. A higher contribution base of 13,000 will accumulate more in the personal pension account over the years, and the final calculated pension amount will be relatively higher compared to a base of 5,000.

3. Medical insurance account: A higher social security base also affects the amount transferred to the medical insurance personal account. With a base of 13,000, more money will be transferred to the medical insurance personal account, which can be used for medical expenses such as seeing a doctor and buying medicine, providing more convenience and resources for medical treatment.

4. Unemployment insurance and other benefits: Similar to medical insurance, the amount of unemployment insurance benefits and other related benefits may also be affected by the social security base. A higher base may lead to relatively higher benefits in case of unemployment or other situations eligible for relevant insurance claims.

In general, choosing a higher social security base like 13,000 requires paying more social security fees in the current period, but it can bring relatively more social security benefits in the future, such as a higher pension and more medical insurance account funds. However, it also needs to be combined with personal economic strength and long - term planning to make a reasonable choice.